Cargo Protection

Insurance that travels with your cargo.

Understand the protection available before your shipment leaves Tema Port.

Protect Your Cargo. Your Choice.

Every day, cargo worth hundreds of thousands of Ghana Cedis moves through Ghana's roads and not all of it arrives the way it left. Road incidents, theft, and handling damage are real risks that no importer can fully control. CarGoal's optional cargo insurance, underwritten by Enterprise Insurance Ghana and regulated by the National Insurance Commission of Ghana, gives you a safety net that costs a fraction of what you stand to lose.

Coverage of up to GH₵ 500,000 per shipment. Added at booking. Active from the moment your cargo is loaded. Click any category below to understand exactly what you are protected from.

Vehicle Transport Insurance

Salon / Saloon Car

GH₵ 245.50

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Why GH₵ 245.50 is the smartest decision you will make today.

Your saloon car has cost you significantly in import duties, clearing fees, and the vehicle value itself. The road between Tema Port and your destination is not always forgiving. Accidents happen without warning. Vehicles are tampered with during transit. Straps fail. Roads surprise even the most experienced drivers.

For GH₵ 245.50 less than the cost of a single tank of fuel you are placing a GH₵ 500,000 safety net beneath everything you have invested in this vehicle.

What your cover includes:

Theft of your vehicle during transit
Damage caused by road accidents or vehicle collision
Damage from improper loading or securing of the vehicle
Loss resulting from driver incidents beyond your control

GH₵ 245.50 protects a vehicle worth multiples of that amount. The question is never whether you can afford coverage. The question is whether you can afford not to have it.

Select insurance at the time of booking. Cannot be added after dispatch.

SUV

GH₵ 348.70

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Your SUV represents a significant investment. Protect every cedi of it.

SUVs are among the most targeted vehicles during road transport in Ghana. Their size, value, and demand in the secondary market make them attractive to opportunistic actors. Beyond theft, the weight and dimensions of an SUV make loading and securing more complex and small errors in handling can cause expensive, irreversible damage.

At GH₵ 348.70, you are securing up to GH₵ 500,000 in coverage through Enterprise Insurance Ghana a regulated, credible insurer with established claims processes. This is not a courtesy offering. It is a serious financial protection for a serious investment.

What your cover includes:

Theft or attempted theft during transit
Accidental damage from road incidents
Damage during loading, unloading, or vehicle securing
Losses arising from third-party road accidents

SUVs often carry the highest import costs of any passenger vehicle category. The premium you are protecting with GH₵ 348.70 coverage is almost certainly ten to one hundred times the insurance cost.

Select insurance at the time of booking. Cannot be added after dispatch.

Luxury Car

GH₵ 488.88

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For vehicles of this calibre, GH₵ 488.88 is not optional. It is essential.

Luxury vehicles carry the highest declared values, the most complex specifications, and the greatest financial exposure of any vehicle category transported on Ghanaian roads. A single scratch on a luxury vehicle can cost more than the entire insurance premium to repair. A total loss without coverage is a devastating, unrecoverable event.

CarGoal's luxury vehicle insurance through Enterprise Insurance Ghana reflects the elevated risk profile of these vehicles and the elevated cost of any incident. GH₵ 488.88 is the most commercially rational decision you will make on the day of this shipment.

What your cover includes:

Full vehicle theft during transit
Collision, rollover, or road accident damage
Damage from improper restraint or loading equipment failure
Scratch, dent, or structural damage from handling incidents
Loss arising from driver error or third-party incidents

The importers who have experienced an uninsured loss do not make that decision twice. Protect your investment the first time.

Select insurance at the time of booking. Cannot be added after dispatch.

Motorcycle

GH₵ 98.88

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GH₵ 98.88. The most affordable protection on the CarGoal platform.

Motorcycles are the most frequently stolen vehicle category in Ghana. Their compact size makes them easier to remove quickly and harder to trace once gone. During transport, they are also vulnerable to tipping, falling, and surface damage if not secured with precision.

At GH₵ 98.88, CarGoal's motorcycle insurance through Enterprise Insurance Ghana is the most accessible coverage on the platform and one of the most necessary. The cost of a replacement or repair almost always exceeds this premium multiple times over.

What your cover includes:

Theft of the motorcycle during transit
Damage from tipping, falling, or improper securing
Damage resulting from road accidents
Surface and structural damage from handling incidents

GH₵ 98.88 is a small fraction of what it costs to replace or repair a motorcycle. The decision takes less than a second at booking. The regret of skipping it can last much longer.

Select insurance at the time of booking. Cannot be added after dispatch.

Cargo Insurance

Loose & Consolidated Cargo

GH₵ 80.00 to GH₵ 250.00

Final price based on cargo type and declared value

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Your cargo is your business. Protect it like one.

Loose and consolidated cargo covers the broadest range of goods on the CarGoal platform building materials, agricultural produce, electronics, consumer goods, industrial supplies, packaged products. These are not just objects in a truck. They are the raw material of your business, your livelihood, and your commitments to your clients.

A single transit incident without insurance does not just cost you the value of the goods. It costs you the client relationship, the replacement sourcing time, the clearance fees paid again, and the confidence you have built in your supply chain.

Pricing ranges from GH₵ 80.00 to GH₵ 250.00 based on your declared cargo type and value making CarGoal's cargo insurance proportionate and accessible regardless of shipment size.

What your cover includes:

Theft of cargo during transit
Damage from road accidents, vehicle collision, or rollover
Spillage, breakage, or loss due to improper vehicle loading
Damage from weather exposure on open trucks
Loss resulting from third-party incidents beyond your control

The cost of re-sourcing, re-importing, and re-clearing damaged or lost cargo is almost always ten to twenty times the insurance premium. Add coverage. Protect your margins. Protect your word.

Final premium determined at booking based on declared cargo type and value. Cannot be added after dispatch.

Container Insurance

20ft & 40ft Containers

GH₵ 235.00 to GH₵ 420.00

Single 20ft: GH₵ 235 · Two 20ft: GH₵ 420 · Single 40ft: GH₵ 400

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Your container is your investment. Protect every cedi of it.

Containers moving from Tema Port carry some of the highest-value cargo on Ghanaian roads imported goods, industrial equipment, construction materials, and consumer products worth hundreds of thousands of cedis. A single incident on the road between Tema and your destination can turn a profitable shipment into a devastating loss.

CarGoal's container insurance through Enterprise Insurance Ghana gives you up to GH₵ 500,000 in coverage for a fraction of what your container is worth. Whether you are moving a single 20ft, two 20ft, or a single 40ft container, there is a coverage option built for your shipment.

Pricing:

Single 20ft container GH₵ 235.00
Two 20ft containers GH₵ 420.00
Single 40ft container GH₵ 400.00

What your cover includes:

Theft of container or contents during transit
Damage from road accidents, vehicle collision, or rollover
Damage from improper loading, securing, or container handling
Loss resulting from third-party incidents beyond your control

All container coverage is capped at GH₵ 500,000 per shipment. The premium you pay is a small fraction of the value you are protecting. Add coverage at booking before your container leaves the port.

Select insurance at the time of booking. Cannot be added after dispatch.

Insurance is optional and added at your choice during booking. All coverage is underwritten by Enterprise Insurance Ghana, regulated by the National Insurance Commission of Ghana.

Coverage up to GH₵ 500,000 per shipment

In partnership with Enterprise Insurance Ghana

Things go wrong when you least expect them.

Ghana's roads carry millions of cargo movements every year. Accidents, theft, and handling damage occur without warning and without apology. The importers who move cargo without insurance are one incident away from absorbing a loss that could have cost less than GH₵ 500 to prevent.

Once cargo is dispatched, coverage cannot be added.

CarGoal's insurance is selected at the time of booking before your cargo moves. There is no option to add protection after dispatch, after an incident, or after delivery. The window to protect your shipment is open right now. It closes the moment your driver leaves the port.

This is real insurance from a real insurer.

Coverage is underwritten by Enterprise Insurance Ghana a licensed insurer regulated by Ghana's National Insurance Commission. This is not an informal arrangement or a platform promise. It is a legally enforceable insurance policy from one of Ghana's most established insurers, available to you at booking for a fraction of what it would cost to arrange independently.

The cost of CarGoal insurance is small.

The cost of not having it can be devastating.

Thousands of importers trust CarGoal's network every day. The experienced ones add coverage every time.

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PartnersMain partner: Enterprise Insurance Ghana

Enterprise InsuranceMain cargo insurance partner
National Insurance CommissionRegulator of our insurance cover
MTN MoMoDriver payouts
Telecel CashDriver payouts
AirtelTigo MoneyDriver payouts

Protect your next shipment.

Choose coverage when you book and move with more certainty.

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